Hoosier Homes is Indiana down payment assistance — 4% or 5% toward down payment and closing costs with no monthly payments on the aid layer. Learn how it works.
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Hoosier Homes
What Is Hoosier Homes?
Hoosier Homes is an Indiana down payment assistance program that provides 4% or 5% toward your down payment and closing costs — structured as a forgivable second loan with no monthly payments on the aid layer.
Hoosier Homes helps Indiana buyers who qualify for a government-backed or HFA conventional first mortgage but need help covering upfront costs. The home must be your primary residence — occupied within 60 days of closing.
In standard participating counties, assistance equals 4% of your first mortgage loan amount . In designated Targeted Areas (Hoosier Homes Plus), that rises to 5% — and county income limits may be waived.
Ryan and Steve screen Hoosier Homes early in pre-qualification — checking your county, loan type, and whether the property address qualifies for standard or Plus assistance before you write an offer.
Hoosier Homes supplements — not replaces — your primary mortgage.
Related Hoosier Homes guides and loan programs to compare before you apply.
Ryan & Steve will screen your county, loan type, and property address against Hoosier Homes rules before you shop.
Program guidelines, income limits, and Targeted Area maps change. This page is educational — final eligibility is confirmed when your file is underwritten against current Hoosier Homes rules. This website is not directly affiliated with or endorsed by any government agency.